MSRP: $73,395
Sale price: $66,250
buy out: $45,505.09
$1322.16 due at signing
$819.16 per month
10,000 miles a year
10k miles a year

What you all think? Im coming from a 335i which I sold and just about ready to get myself into a M3 that I always wanted...

Sounds Good!

Im from Canada so my pricing is different. Im in the middle of a deal right now for the same car. I bought out my 2009 335xi coupe(Mistake) at the end of my lease. I came from E46 m3 (competition pkg) & gave it back at the end of that lease (Also a big mistake) but im finally getting back into an M3.

Finalized my order today! I added on the EDC and now it's just the waiting game.

I looked into MSD and looks like a good way to bring monthly payments down but the risk is still there. You total the car during the lease and the MSDs are gone. I might still go ahead and put some security deposits down!

MSRP: $73,395
Sale price: $66,250
buy out: $45,505.09
$1322.16 due at signing
$819.16 per month
10,000 miles a year
10k miles a year

What you all think? Im coming from a 335i which I sold and just about ready to get myself into a M3 that I always wanted...

Sounds Good!

Im from Canada so my pricing is different. Im in the middle of a deal right now for the same car. I bought out my 2009 335xi coupe(Mistake) at the end of my lease. I came from E46 m3 (competition pkg) & gave it back at the end of that lease (Also a big mistake) but im finally getting back into an M3.

Finalized my order today! I added on the EDC and now it's just the waiting game.

I looked into MSD and looks like a good way to bring monthly payments down but the risk is still there. You total the car during the lease and the MSDs are gone. I might still go ahead and put some security deposits down!

Not true regarding the MSD's. Gap insurance would cover any difference. This was the reason for not putting money down towards cap reduction.

For the MSD's, if at lease end there were issues associated to damage above and beyond the allowed, replacement of tires, etc., this would be taken from the security deposits. Else BMW FS would send you a bill.

The rough math would work result in a $50 per month savings assuming max MSD's. Another way of looking at it, for $5600 that BMW FS will have for 36 months, you'll save $1800. Perhaps that money can be best used elsewhere but it is a good option.

Not true regarding the MSD's. Gap insurance would cover any difference. This was the reason for not putting money down towards cap reduction.

For the MSD's, if at lease end there were issues associated to damage above and beyond the allowed, replacement of tires, etc., this would be taken from the security deposits. Else BMW FS would send you a bill.

The rough math would work result in a $50 per month savings assuming max MSD's. Another way of looking at it, for $5600 that BMW FS will have for 36 months, you'll save $1800. Perhaps that money can be best used elsewhere but it is a good option.

MSD is fully refundable if the car is totaled. 10% return on your investment is a pretty good deal. That's why I did it. Where else are you going to find that these days without risk?

Im from Canada so my pricing is different. Im in the middle of a deal right now for the same car. I bought out my 2009 335xi coupe(Mistake) at the end of my lease. I came from E46 m3 (competition pkg) & gave it back at the end of that lease (Also a big mistake) but im finally getting back into an M3.

Lease rate sounds high? Can you put MSD, that'll bring your lease rate down. Instead is putting money into cap reduction, put it into the MSD instead. Anyone who's leading and can afford to put MSD, it's almost a no brainer.

just curious... to me it depends on the bottom line dollar amount and what you put down as well. I believe APR is 3.5% thereabouts. What terms of the lease? If I wanted to lease my 2013, which I didnt, I had a payment at 600. Also BMWNA has a security deposit lease plan (a bit higher) but I would do it if youre leasing.... get cash back in the end. need more info, but if you like 8's for payments, all good.

just curious... to me it depends on the bottom line dollar amount and what you put down as well. I believe APR is 3.5% thereabouts. What terms of the lease? If I wanted to lease my 2013, which I didnt, I had a payment at 600. Also BMWNA has a security deposit lease plan (a bit higher) but I would do it if youre leasing.... get cash back in the end. need more info, but if you like 8's for payments, all good.

Current base rate for leasing an M3 is .00130 (or 3.12% converted). With the 7 extra security deposits there would be a reduction of .00049 adjusting the m.f. to .00081 (or 1.944%). Not a bad return of investment knowing the security deposits will be refunded at lease end. Could that (roughly) $5600 in S.D.'s be better used elsewhere, perhaps. For those who lease, it is a good option that few CA's and/or Finance Managers discuss as an option. Most seem to focus on cap reduction.

Slight tangent, if using MSD's, the amount can not be directly applied to the next lease. You'll need to put another amount down and wait for the refund. How long will it take? From my last lease, I received my funds within 30 days.

congrats man!! find something to do while you wait... or else you'll be broke from shopping online for mods.

That's why browsing the forums has it's benefits and drawbacks. The temptation to add something (carbon parts, lighting, tune, exhaust, etc) that otherwise an owner might have kept the car stock. Good for the car bad for the savings fund....

Thanks guy. and Congrats to you too Dkhan23. Can't wait to get myself into a m3!

MSD seems the way to go to bring down the monthly payments. The only question I have is that is there any way BMW can take away the security deposit or do they HAVE to give it back? They can use that cash to pay off any damages, excess miles, etc at the end of the lease, correct?

So what the dealership told me is that I need to pay about 4 security deposits of $850 dollars each to bring down the monthly payments by $50.

Also, does the MSD effect the buyout value of the car at all? Since I am paying lower monthly payments, I am paying less on the car, so wouldnt the buyout value go up?

Thanks guy. and Congrats to you too Dkhan23. Can't wait to get myself into a m3!

MSD seems the way to go to bring down the monthly payments. The only question I have is that is there any way BMW can take away the security deposit or do they HAVE to give it back? They can use that cash to pay off any damages, excess miles, etc at the end of the lease, correct?

So what the dealership told me is that I need to pay about 4 security deposits of $850 dollars each to bring down the monthly payments by $50.

Also, does the MSD effect the buyout value of the car at all? Since I am paying lower monthly payments, I am paying less on the car, so wouldnt the buyout value go up?

I spoke with BMW NA Finance before I put down my MSD and they said they can't simply take the security deposit away, but don't quote me on this. Give them a call yourself for peace of mind. I put the max down to lower my mf. which does not affect your principal, only how much you're charged for your interest rate.

Thanks guy. and Congrats to you too Dkhan23. Can't wait to get myself into a m3!

MSD seems the way to go to bring down the monthly payments. The only question I have is that is there any way BMW can take away the security deposit or do they HAVE to give it back? They can use that cash to pay off any damages, excess miles, etc at the end of the lease, correct?

So what the dealership told me is that I need to pay about 4 security deposits of $850 dollars each to bring down the monthly payments by $50.

Also, does the MSD effect the buyout value of the car at all? Since I am paying lower monthly payments, I am paying less on the car, so wouldnt the buyout value go up?

Just like a standard security deposit, the additional can be used to offset damage, excess miles, etc. Otherwise you'll get your money back.

The payoff will not change as it is based on the residual value (currently 62% @ 10k/36 month). However the MSD's can be used as partial payment toward the payoff.

Something to consider if using MSD's, it is a good method to lowering the money factor. But if you opt to transfer the lease, you would need to reconcile this with the new leasee. That is unless you plan on giving up all of your MSD's.

For the quantity, max MSD's is 8 (1 required plus 7 optional). Each optional reduces the m.f. by .00007. All would be required to reduce the payment by (roughly) $50.